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Effective as of October 1, 2010


Type of Account
Minimum Investment
Interest Rate
APY
Interest Checking Accounts (NOW)
$100.00 Minimum to Open
Prime Checking
$100.00 Minimum to Open
.10
.10
Health Savings Account
$100.00 Minimum to Open
.10
.10
Checking Plus
Less than $10,000
.10
.10
$10,000 - $49,999.99
.10
.10
$50,000 - $99,999.99
.10
.10
$100,000.00 and Above
.10
.10
Commercial Interest Checking
$100.00 Minimum to Open
.10
.10
Money Market Accounts
$100.00 Minimum to Open
Personal
Less than $25,000.00
.20
.20
$25,000 - $49,999.99
.50
.50
$50,000 - $99,999.99
.70
.70
$100,000.00 and Above
.80
.80
Commercial
Less than $25,000.00
.20
.20
$25,000 - $49,999.99
.50
.50
$50,000 - $99,999.99
.70
.70
$100,000.00 and Above
.80
.80
Savings Accounts
Minimum to Open
Personal/Junior
$100.00 Pers/$25.00 Junior
.25
.25
Commercial
$100.00
.25
.25
Certificateit/IRA's of Deposit
7 - 31 Days Certificate
$1,000.00
.20
.20
3 Month Certificate
$1,000.00
.25
.25
6 Month Certificate
$1,000.00
.40
.40
* 9 Month Certificate
$1,000.00
.40
.40
*12 Month Certificate
$1,000.00
.70
.70
*18 Month Certificate
$1,000.00
.80
.80
*24 Month Certificate
$1,000.00
.99
1.00
*36 Month Certificate
$1,000.00
1.24
1.25
48 Month Certificate
$1,000.00
1.49
1.50
60 Month Certificate
$1,000.00
1.88
1.90
*Flexible Certificates of Deposit offered for these terms.
$2,500.00 Minimum to Open

9 Months 0.25% Rate 0.25% APY
12 Months 0.45% Rate 0.45% APY
18 Months 0.55% Rate 0.55% APY
24 Months 0.75% Rate 0.75% APY
36 Months 0.99% Rate 1.00% APY


Member FDIC
Rates are subject to change on a weekly basis.
Tiered rates may apply. Interest rates and APY (Annual Percentage Yield) as shown.
Applicable fees may reduce earnings. Rates are subject to change. For current rates or additional information, call your local banking office.
Penalty may be imposed for early withdrawal for Certificates of Deposit.

Daytona Beach Office 386-274-6020
Ormond Beach Office 386-677-7900
Palm Coast Office 386-986-4024
Port Orange Office 386-761-7011

FDIC

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